California Dental Network Children s Dental HMO

Group Subscriber Agreement Combined Evidence of Coverage And Disclosure Form California Dental Network Children s Dental HMO This Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form contains the exact terms and conditions of coverage for the California Dental Network Children s Dental HMO. Upon request, a copy of this Combined Evidence of Coverage and Disclosure Form shall be provided to a non-covered parent having custody of a child. This Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form should be read completely and carefully, and individuals with special health care needs should carefully read those sections that apply to them. Applicants may receive additional information about the benefits of the Plan by calling (949) 830-1600, Toll-free (877)433-6825. The member copayment schedule is located at the end of this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form. California Dental Network Children s Dental HMO Summary Benefit Matrix This matrix is intended to be used to help you compare coverage benefits and is a summary only. Please refer to this Evidence of Coverage and your Schedule of Copayments and Covered Benefits for more information about services covered under your plan. Children's Dental HMO Child (up to Age 19) Deductibles None Actuarial Value 85.10% Out of Pocket Maximums Individual Child- $350 Two or more Children in a family - $700 Office Copay No Charge Waiting Period None Annual Benefit Limit None Eff. 01/01/18, Rev 08/17 1

Professional Services Diagnostic & Preventive Services: Basic Services Major Services Orthodontics Copayments vary by procedure and can be found on the 2018 Member Copayment Schedule, included. Categories of services include: Oral Exam Preventive-Cleaning Preventive-X-ray Sealants Per Tooth Topical Fluoride Application Space Maintainers, Fixed Restorative Procedures Periodontal Maintenance Procedures Adult Periodontics (other than maintenance) Adult Endodontics Periodontics (other than maintenance) Endodontics Crowns and Casts Prosthodontics Oral Surgery Medically Necessary Orthodontia No Charge No Charge No Charge No Charge No Charge No Charge See 2018 Member Copayment Schedule See 2018 Member Copayment Schedule $350.00 Endnotes to 2018 Dental Standard Benefit Plan Designs Pediatric Dental EHB Notes (only applicable to the pediatric portion of the Children's Dental Plan, Family Dental Plan or Group Dental Plan) 1) Cost sharing payments made by each individual child for in-network covered services accrue to the child's out-of-pocket maximum. Once the child's individual out-of-pocket maximum has been reached, the plan pays all costs for covered services for that child. 2) In a plan with two or more children, cost sharing payments made by each individual child for in-network services contribute to the family in-network deductible, if applicable, as well as the family out-of-pocket maximum. 3) In a plan with two or more children, cost sharing payments made by each individual child for out-of-network covered services contribute to the family out-of-network deductible, if applicable, and do not accumulate to the family out-of-pocket maximum. 4) Administration of these plan designs must comply with requirements of the pediatric dental EHB benchmark plan, including coverage of services in circumstances of medical necessity as defined in the Early Periodic Screening, Diagnosis and Treatment (EPSDT) benefit. 5) The requirements set forth in 10 CCR 6522 (a)(4)(a) and (a)(5)(a) shall apply to the Group Dental Plan design. 6) Member cost share for Medically Necessary Orthodontia services applies to course of treatment, not individual benefit years within a multi-year course of treatment. This member cost share applies to the course of treatment as long as the member remains enrolled in the plan. WELCOME CDN, Inc. (CDN) combines comprehensive dental Coverage with a number of cost-saving features for you and your family. Many preventive procedures are covered at no cost to you, and you will experience significant savings based upon our copayments for covered services. There are no claim forms to complete, and no deductibles or lifetime benefit maximums. I. DEFINITIONS Eff. 01/01/18, Rev 08/17 2

Act means the Knox-Keene Health Care Service Plan Act of 1975 (California Health and Safety Code Sections 1340 et seq.) as amended. Agreement or Subscriber Agreement means this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form by which its terms limits the eligibility of Subscribers and enrollees to a specified Group.. Your completed Enrollment Application and schedule of Principal Benefits and Coverage under which you are enrolled along with this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form, will constitute the entire Agreement. Benefits or Coverage mean the health care services available under this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form and the Benefit Schedule under which you are enrolled. Benefit Schedule means the schedule of Principal Benefits & Coverage which list the Benefits specifically covered under each plan and denotes the copayments required by you. Cal-COBRA: State law requiring an individual in a small group of 2-19 members to purchase continuing coverage at the termination of employment or at the termination of employer group-sponsored health coverage. Capitation means a monthly or annual periodic payment based on a fixed or predetermined basis that is paid to the Participating Dentist. Child means eligible children including a biological child; adopted child; a child for whom the subscriber assumes a legal obligation for total or partial support in anticipation of adoption; a stepchild; or a child for whom the subscriber or the subscriber s spouse is the legal guardian. COBRA refers to the Consolidated Omnibus Budget Reconciliation Act of 1986, enacted April 7, 1986. A federal law requiring an individual to purchase continuing coverage at the termination of employment or at the termination of employer group-sponsored health coverage. Copayment means a fixed payment for a covered service, paid when an individual receives service, provided for in the plan contract and disclosed in the evidence of coverage or the disclosure form used as the evidence of coverage. Emergency Dental Care means service required for immediate alleviation of acute symptoms associated with an emergency dental condition. Emergency Medical Condition means a medical condition manifesting itself by acute symptoms of sufficient severity (including severe pain) such that the absence of immediate medical attention could reasonably expected to result in any of the following: Placing the patient s health in serious jeopardy Serious impairment to bodily functions Serious dysfunction of any bodily organ or part. Eff. 01/01/18, Rev 08/17 3

Enrollee means a member who has completed an application and paid for their plan. Exclusion means any provision of this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form whereby Coverage for a specified hazard or condition is not covered by CDN or the Participating Dentist. Group means any employer, labor union or labor management trust fund, or other Subscriber Group. Limitation means any provision other than an Exclusion which restricts Coverage under this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form. Member means the Subscriber or any eligible Dependent who is enrolled and whose premiums are paid under this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form. Out-of-Pocket Maximum (OOPM) means the maximum amount of money that a pediatric age (child up to age 19) enrollee must pay for benefits during a calendar year. Out-of-Pocket Maximum applies only to the Essential Health Benefits for pediatric (children up to age 19) enrollees. Copayments for covered services that pediatric enrollees (children up to age 19) received from a participating dentist accumulate through the plan year toward the Out-of-Pocket Maximum. Please consult your Schedule of Covered Services and Copayments for complete information on covered services. OOPM never includes premium, prescriptions, or dental care the dental plan doesn t cover. After the pediatric age enrollee reaches their OOPM, they will have no further copayments for benefits for the remainder of the calendar year. If more than one pediatric age enrollee (meaning multiple children in one family) is covered under the contract, the financial obligation for benefits is not more than the OOPM for multiple children. Once the amount paid by all pediatric age enrollees equals the OOPM for multiple pediatric age enrollees, no further copayments will be required by any of the pediatric age enrollees for the remainder of the calendar year. Plan is the CDN Plan and shall include those Benefits, Coverage and other charges as set forth herein and in the Benefit Schedule. Participating Dentist means a licensed California dentist who has contracted with CDN as a general practitioner, and shall include any hygienists and technicians recognized by the dental profession who assist and act under the supervision of the dentist, and/or a specialist to render services to Members in accordance with the provisions of the CDN Agreement under which a Member is enrolled. The names, locations, hours, services, and other information regarding CDN s Participating Dentist facilities may be obtained by contacting CDN s office or the individual Participating Dentist. Pediatric Dental Benefits are one of the ten Essential Health Benefits required under the Affordable Care Act (ACA). In California, pediatric dental benefits cover dental care and services such as cleanings, x-rays, and fillings for those up to age 19. Eff. 01/01/18, Rev 08/17 4

Regulations means those Regulations promulgated and officially adopted by the California Department of Managed Health Care. Special enrollments are the opportunity for people who experience a qualifying event, such as the loss of a job, death of a spouse or birth of a child, to sign up immediately in a health plan, even if it is outside of Covered California s open enrollment period. Specialist means a dentist who is responsible for the specific specialized dental care of a Member in one specific field of dentistry, such as endodontics, periodontics, pedodontics, oral surgery or orthodontics, where the Member is referred by CDN. Subscriber is the person who has entered into this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form and who is responsible for the premium payment to CDN. Urgent Dental Care means care required to prevent serious deterioration in a Member s health, following the onset of an unforeseen condition. Urgent care is care required within 24 to 72 hours, and includes only services needed to prevent the serious deterioration of your dental health resulting from an unforeseen illness or injury for which treatment cannot be delayed. II. HOW TO USE CDN In addition to this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form and a Benefit Schedule, CDN issues each Member an Identification Card with the telephone number and address of the selected dental office. Upon request, an identification card will be issued to the noncovered parent having custody of a child. This I.D. Card is to be presented at the time that services are to be rendered by the Participating Dentist. A complete list of covered services is enclosed in the Benefit Schedule along with the required copayments. Services specifically excluded from Members Coverage are found in the section titled Exclusions and Limitations. Please read this section carefully. Dental services performed by a non-panel dentist or specialist are not covered. Under certain emergency situations as explained under the section titled Emergency and Urgent Dental Care, services by a non-contracted general dentist may be covered. III. ELIGIBILITY A Member s Group and the Group Subscriber Agreement shall determine who is eligible to participate and who is actually participating in CDN s Plan. Any disputes or inquiries regarding eligibility, renewal, reinstatement and the like, should be directed to the Member s Group or CDN as appropriate. Dependents may be added at the time of initial enrollment or during open enrollment. If you experience a qualifying event, you may be eligible for a sixty (60) day special enrollment period. You must report this event within 60 days of the event to Covered California through their web portal at www.coveredca.com for consideration of a sixty (60) day special enrollment period. In the case of birth, adoption or placement for adoption, you have sixty (60) days to report the event to Covered California Eff. 01/01/18, Rev 08/17 5

through the web portal. Covered California may grant you a special enrollment period due to circumstances. Visit www.coveredca.com for more information. Coverage Effective Dates: Coverage effective dates are determined during your application and enrollment with Covered California and can be affected by any medical policy you purchase. Your CDN coverage will begin once the enrollment process is complete, premium payment is received, and the effective date is communicated to CDN by Covered California. Loss of Medi-Cal or Job-Based Coverage: If you experience of loss of Medi-Cal or job-based coverage, and use a special enrollment period, coverage would begin on the first day of the next month following your plan selection, regardless of the date during the month you select coverage. New Dependent Additions: New dependent enrollments are subject to the rules established by Covered California. Enrollment requests for newly acquired dependents must be submitted to Covered California in a timely manner, according to their policies and procedures. Covered California will determine the effective date of the dependent s plan according to the date the enrollment request was submitted. Newborn and Adoptive Children: A newborn, or a child placed for adoption is eligible for coverage from the moment of birth or placement. You must apply through Covered California to enroll your new dependent. If enrollment is not completed according to the rules established by Covered California, the new dependent will be effective according to the open enrollment rules established by Covered California. Dependent Additions Due to Marriage: The effective date for dependents acquired through marriage will be effective the first day of the next month following your plan selection submitted to Covered California regardless of when during the month you make your plan selection. If enrollment is not completed according to the rules established by Covered California, the new dependent will be effective according to the open enrollment rules established by Covered California. Subscribers and eligible Dependents must either live or work within the CDN approved service are in order to be eligible for Benefits hereunder. When payment and application are received and approved by the 20th of the month, eligibility will commence on the first of the following month. IV. ELIGIBLE DEPENDENTS For this plan, a Member s eligible Dependents are their Dependent children. An eligible dependent shall include a) any child born out of wedlock, b) a child not claimed as a dependent on the parents federal income tax return and c) a child who does not reside with the parent or within the Plan s service area. Eff. 01/01/18, Rev 08/17 6

All newborn infants Coverage shall commence from and after the moment of birth. Adopted children, stepchildren and foster children shall be covered from and after the date of placement. Except as stated above, Dependents shall be eligible for coverage on the first day of the next month from the date the Subscriber is eligible for coverage, or on the day the Subscriber acquires such Dependent, whichever is later. Dependents shall also include all children up to age 19 who are chiefly dependent on the subscriber for support and maintenance. Coverage shall not terminate while a Dependent child is and continues to be: Incapable of self-sustaining employment by reason of mental retardation or physical handicap; and Chiefly dependent upon the subscriber for support and maintenance provided the subscriber furnishes proof of such incapacity and dependency to CDN within 31 days of the child attaining the limiting age set forth above, and every two years thereafter, if requested by CDN. In a case where a parent is required by a court or administrative order to provide coverage for a child the Plan shall not disenroll or eliminate coverage unless a) the employer has eliminated coverage for all employees, b) the Plan is provided with satisfactory written evidence that either the court order or administrative order is no longer in effect, or c) the child is or will be enrolled in another or comparable plan that will take effect no later than the effective date of the child s disenrollment. V. CHOICE OF PARTICIPATING DENTIST AND PARTICIPATING DENTIST COMPENSATION PLEASE READ THE FOLLOWING INFORMATION SO THAT YOU WILL KNOW FROM WHOM OR WHAT GROUPS OF PARTICIPATING DENTISTS DENTAL CARE MAY BE OBTAINED. You may select any CDN Participating Dentist for you and your family s dental care. All family members MUST use the same office and the Plan subscriber must live or work within CDN s service area within California. A request to change dental office may be done by contacting CDN toll-free at 1-877-433-6825 or by requesting such in writing to CDN s office. Any such change will become effective on the first day of the month following CDN s approval if request is received by CDN by the 20th of the month. CDN may require up to 30 days to process any such request. All Member fees and Copayments must be paid in full prior to such a transfer. In consideration of the performance by the Participating Dentist of services made available and/or rendered to Members pursuant to this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form and the schedule of Principal Benefits and Coverage, the compensation to the Participating Dentist shall be: The copayments paid directly to the CDN Participating Dentist by the Member as set forth in this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure form, and/or The Capitation paid to the Participating Dentist by CDN and/or Any direct reimbursement by CDN based on specific services provided as allowed by our Dental Services Agreement with the Participating Dentist. Eff. 01/01/18, Rev 08/17 7

CDN does not have, in any contract and/or agreement with a Participating Dentist or other licensed health care professional, any such compensation agreement term that includes a specific payment or compensation made directly, in any type or form, as an inducement to deny, reduce, limit or delay, any specific, medically necessary, or appropriate services. VI. SECOND OPINION POLICY It is the policy of CDN that a second opinion obtained from a participating panel provider will be a covered benefit. The covered benefit will need an approval from the Plan. A second opinion is encouraged as a positive component of quality of care. General Practice Second Opinion A request for a second opinion may be processed if one or more of the following conditions are evident: Member wishes affirmation of a complex or extensive treatment plan, alternative treatment plan, or clarification of a treatment plan or procedure. Member has a question about correctness of a diagnosis of a procedure or treatment plan. Member questions progress and successful outcome of a treatment plan. Plan requires a second opinion as part of the resolution of a Member s grievance. When a Member has a request for a second opinion that does not fall within the description outlines, the request will be forwarded to a CDN Dental Director for consideration. Members may obtain a second opinion by contacting CDN at 1-877-433-6825. The Member will be given the names of providers in their area to select a second opinion provider. If the Member opts not to accept one of the contracted providers and wishes to go out of the network, it is not a covered benefit. The provider of choice will be notified by the Plan of the Member s need for a second opinion and the applicable co-payment. The Member will be responsible for obtaining an appointment from the second opinion provider. The Plan representative will complete a second opinion form. X-rays and records from the current provider will be obtained, and along with the form, be sent to the second opinion provider. Contracting providers have agreed in their contract to participate in the Quality Assurance activities of the Plan. The provision of a second opinion is considered to be part of the Plan s Quality Assurance Activities, therefore all contracting providers agree to: Provide copies of necessary records and radiographs to the Plan (at no charge to the Members, Plan or second opinion provider) for review by the second opinion provider. To agree to provide second opinion evaluation to Members at copayment upon approval of the second opinion request by the Plan, and to make the results of their evaluation available to the referring provider, the Member, and the Plan. Second opinion providers may elect to accept a Member seeking a transfer but are not obligated to do so. Transfers must be mutually agreed to the second opinion provider and the Member seeking the second opinion. Specialty Second Opinion Eff. 01/01/18, Rev 08/17 8

Specialty procedures incorporated in a treatment plan may require a specialty second opinion. These would be processed in the same manner as a general practice second opinion with the same guidelines. Orthodontic Second Opinion In the case of an Orthodontic second opinion, it will be processed the same as a general except, the following conditions must be evident: Questions about extractions of teeth to effect completion of treatment versus non-extraction of teeth. Questions on length of time of treatment. Questions about facial changes, growth and development. Questions about initiation of treatment, interceptive treatment, removable versus fixed therapy. Questions about multiple providers treating case vs. one provider reporting outcomes. When a Member has a request for a second opinion that does not fall within the description outlines, the request will be forwarded to the Dental Director for consideration. Denials Conditions under which a second opinion may be denied: Member is not eligible or the Plan has been terminated. Member has completed treatment. Any second thoughts at this point are deemed a grievance. Member has consented to treatment. Dissatisfaction with the provider due to attitude or other personality discomforts (other than treatment plan). Treatment plan has been accepted by patient, treatment in progress and patient is not fulfilling agreements financially, appointments, follow-up, home care, etc. Emergency Second Opinion When a Member s condition is such that the Member faces imminent and serious threat to his or her health (including, but not limited to, potential loss of life, limb, or other body function), the request for a second opinion will be authorized within 72 hours of the Plan s receipt of the request, whenever possible. VII. FACILITIES CDN s participating dental offices are open during normal business hours and some offices are open limited Saturday hours. Please remember; if you cannot keep your scheduled appointment, you must notify your dental office at least 24 hours in advance or you may be responsible for a broken appointment fee (please refer to your Benefit Schedule). VIII. PREPAYMENT FEE Eff. 01/01/18, Rev 08/17 9

Subscribers agree that CDN shall provide services set forth in this Group Subscriber Agreement, Combined Evidence of Coverage and Disclosure Form at the rates specified in the Enrollment Application and the Benefit Schedule upon payment of the monthly or annual Prepayment Fee. Subscriber should consult the contract holder or Agreement for specific information regarding any sums to be paid or withheld from the Subscriber s salary or to be paid by subscriber. The Prepayment Fee shall be sent to CDN. IX. LIABILITY OF MEMBER FOR PAYMENT By statute, every contract between CDN and a Participating Dentist shall provide that in the event that CDN fails to pay the Participating Dentist, the Member shall not be liable to the Participating Dentist for any sums owed by CDN. In the event that CDN does not pay non-contracting Participating Dentists, the Member may be liable to the non-contracting Participating Dentist for costs of services rendered. Members will be responsible for all supplementary charges, including copayments, deductibles and procedures not covered as Plan Benefits. IMPORTANT: If you opt to receive dental services that are not covered services under this Plan, a participating dental Participating Dentist may charge you his or her usual and customary rate for those services. Prior to providing a patient with dental services that are not a covered benefit, the dentist should provide the patient with a treatment plan that includes each anticipated service. If you would like more information about dental coverage options, you may call member services at 1-877-433-6825 or your insurance broker. To fully understand your coverage, you may wish to carefully review this evidence of coverage document. X. COORDINATION OF BENEFITS In the event a member is covered under another plan or policy which provides coverage, benefits or services (plan) that are covered benefits under this dental plan, then the benefits of this plan shall be coordinated with the other plan according to regulations on Coordination of Benefits. Covered California s standard benefit design requires that stand alone dental plans offering the pediatric dental essential health benefit, such as this CDN plan, whether as a separate benefit or combined with a family dental benefit, cover benefits as a secondary dental benefit plan payer. This means that the primary dental benefit payer is a health plan purchased through Covered California which includes pediatric dental essential health benefits. Your primary dental benefit plan will pay the maximum amount required by its plan contract with you when your primary dental benefit plan is coordinating its benefits with CDN. This means that CDN will pay the lesser of either the amount that it would have paid in the absence of any other dental benefit coverage when a primary dental benefits plan is coordinating benefits with your CDN plan, or your total out-of- pocket cost payable under the primary dental benefit plan for benefits covered under your CDN plan. Eff. 01/01/18, Rev 08/17 10

These regulations determine which plan is primary and which is secondary under various circumstances. Generally, they result in a group plan being primary over an individual plan and that a plan covering the member as a subscriber is primary over a plan covering the member as a dependent. Typically, Coordination of Benefits will result in the following: If the other coverage is a group indemnity plan: If the group indemnity coverage is primary, the provider will usually bill the carrier for their Usual and Customary Fees, and the member will be charged the copayment under the secondary plan less the amount received from the primary coverage. If the group indemnity coverage is secondary, the provider will bill the carrier for the amount of copayments under the primary plan, and the member will be responsible for the copayments under the primary plan less the amount paid by the secondary carrier. If the other coverage is a prepaid plan: If the provider participates in both plans, the member should be charged the lower copayment(s) of the two plans. If the provider does not participate in both plans, the plan that the provider participates in will be primary, and the other plan will typically deny coverage because the member received services from a non-participating provider. Members may not receive benefits for more than their out of pocket costs for the services provided as a result of Coordination of Benefits. A copy of the Coordination of Benefits regulations may be obtained from CDN. The Plan and/or its treating providers reserve the right to recover the cost or value, as set forth in Section 3040 of the Civil Code, of covered services provided to a Member that resulted from or were caused by third parties who are subsequently determined to be responsible for the injury to the Member. XI. OUT-OF-POCKET MAXIMUM (OOPM) Out-of-Pocket Maximum (OOPM) is the maximum amount of money that a pediatric age (child up to age 19) enrollee must pay for benefits during a calendar year before their plan benefits are paid in full. Outof-Pocket Maximum applies only to the Essential Health Benefits for pediatric enrollees (children up to age 19). Copayments for covered services that pediatric enrollees (children up to age 19) received from a participating dentist accumulate through the plan year toward the Out-of-Pocket Maximum. Please consult the included Member Copayment Schedule for complete information on covered services. OOPM never includes premium, prescriptions, or dental care the dental plan doesn t cover. After the pediatric age enrollee reaches their OOPM, they will have no further copayments for benefits for the remainder of the calendar year. If more than one pediatric age enrollee (meaning multiple children up to age 19 in one family) are covered under the contract, the financial obligation for benefits is not more than the OOPM for multiple children. This means that a family of two or more children is subject to the Family OOPM. Once the Eff. 01/01/18, Rev 08/17 11

amount paid by all pediatric age enrollees equals the Family OOPM no further copayments will be required by any of the pediatric age enrollees for the remainder of the calendar year. CDN monitors out-of-pocket payments over the course of the plan year. When those payments reach the Out-of-Pocket Maximum for a member s plan, we will send a letter to both the member and the member s selected Participating Dentist to ensure that they are not responsible for copayments for future services. CDN encourages members to retain receipts for all of the services received that are covered under the CDN plan through the plan year to track out-of-pocket expenses. Members should always ask their Participating Dentist for an itemized receipt of services provided during their visit. XII. EMERGENCY AND URGENT DENTAL CARE Emergency and urgent dental care is covered 24 hours a day, seven days a week, for all Members. Emergency dental Care is recognized as dental treatment for the immediate relief of an emergency medical condition and covers only those dental services required to alleviate symptoms of such conditions. Urgent care is care required within 24 to 72 hours, and are services needed to prevent the serious deterioration of your dental health resulting from an unforeseen illness or injury for which treatment cannot be delayed. The Plan provides coverage for urgent dental services only if the services are required to alleviate symptoms such as severe pain or bleeding or if a member reasonably believes that the condition, if not diagnosed or treated, may lead to disability, impairment, or dysfunction. The covered benefits is the relief of acute symptoms only, (for example: severe pain or bleeding) and does not include completed restoration. Please contact your Participating Dentist for emergency or urgent dental care. If your Dental Provider is not available during normal business hours, call Dental Customer Support at 1-877-433-6825. In the case of an after-hours emergency, and your selected dental provider is unavailable, you may obtain emergency or urgent service from any licensed dentist. You need only submit to CDN, at the address listed herein, the bill incurred as a result of the dental emergency, evidence of payment, and a brief explanation of the unavailability of your Provider. A non-covered parent of a covered child may submit a claim for emergency care without the approval of the covered parent, in such case the noncovered parent will be reimbursed. Upon verification of your Provider s unavailability, CDN will reimburse you for the cost of emergency or urgent services, less any applicable copayment. Enrollees are encouraged to use appropriately the 911 emergency response system, in areas where the system is established and operating, when you have an emergency medical condition that requires an emergency response. XIII. REIMBURSEMENT PROVISION FOR OUT-OF-AREA CARE You are covered for emergency and urgent dental care. If you are away from your assigned participating provider, you may contact CDN for referral to another contracted dentist that can treat your urgent or emergency condition. If you are out of the area, it is after CDN s normal business hours, or you cannot Eff. 01/01/18, Rev 08/17 12

contact CDN to redirect you to another contracted dentist, contact any licensed dentist to receive emergency or urgent care. You are required to submit a detailed statement from the treating dentist with a list of all the services provided. Member claims must be filed within 60 days and we will reimburse Members within 30 days for any emergency expenses. A non-covered parent of a covered child may submit a claim for an out-of-area emergency without the approval of the covered parent, in that case the non-covered parent will be reimbursed. Submit all claims to CDN at this address: California Dental Network, Inc. 23291 Mill Creek Dr. Ste 100 Laguna Hills, CA 92653 Emergency dental care is recognized as dental treatment for the immediate relief of an emergency medical condition and covers only those dental services required to alleviate symptoms of such conditions. Urgent care is treatment required within 24 to 72 hours, and are services needed to prevent the serious deterioration of your dental health resulting from an unforeseen illness or injury for which treatment cannot be delayed. The Plan provides coverage for emergency or urgent dental services only if the services are required to alleviate symptoms such as severe pain or bleeding, or if a member reasonably believes that the condition, if not diagnosed or treated, may lead to disability, impairment, or dysfunction. The covered benefit is the relief of acute symptoms only, (for example: severe pain or bleeding) and does not include completed restoration. Submit all claims for reimbursement to CDN at the address listed herein. XIV. SPECIALIST REFERRALS If your Participating Dentist decides that you need the services of a specialist, they will request Prior Authorization for a referral to a CDN Specialist. CDN will send you a letter of treatment authorization, including the name, address, and phone number of your assigned CDN specialist. Routine Prior Authorization requests will be processed within five (5) business days from receipt of all information reasonably necessary and requested by CDN to make the determination. If an emergency referral is required, your Primary Dentist will contact CDN and prompt arrangements will be made for specialty treatment. Emergency referrals are processed within seventy-two (72) hours from receipt of all information reasonably necessary and requested by CDN to make the determination. Your Primary Dentist will be informed of CDN s decision within 24 hours of the determination. Both the general provider and the patient will be notified in writing of approval or denial. If you have questions about how a certain service is approved, call CDN toll-free at 1-877-433-6825. If you are deaf or hard of hearing, dial 711 for the California Relay Service. We will be happy to send you a general explanation of how that type of decision is made or send you a general explanation of the overall approval process if you request it. If you request services from any specialist without prior written approval, you will be responsible for payment. XV. CONTINUATION OF COVERAGE ACUTE CONDITION OR SERIOUS CHRONIC CONDITION Eff. 01/01/18, Rev 08/17 13

At the request of the enrollee, the Plan will, under certain circumstances, arrange for continuation of covered services rendered by a terminated Participating Dentist to an enrollee who is undergoing a course of treatment from a terminated Participating Dentist for an acute condition or serious chronic condition. In the event the enrollee and the terminated Participating Dentist qualify, the Plan will furnish the dental services on a timely and appropriate basis for up to 90-days or longer if necessary, for a safe transfer to another Participating Dentist as determined by the Plan in consultation with the terminated Participating Dentist, consistent with good professional practice. The payment of copayments, deductibles, or other cost sharing components by the enrollee during the period of continuation of care with a terminated Participating Dentist shall be the same copayments, deductibles, or other cost sharing components that would be paid by the enrollee when receiving care from a Participating Dentist currently contracted with or employed by the Plan. The Plan will not cover services or provide benefits that are not otherwise covered under the terms and condition of the Plan contract. For the purpose of this section: Terminated Participating Dentist means a Participating Dentist whose contract to provide services to Plan enrollees is terminated or not renewed by the plan or one of the plan s contracting Participating Dentist groups. A terminated Participating Dentist is not a Participating Dentist who voluntarily leaves the plan or contracted Participating Dentist group. Acute Condition means a medical condition that involves a sudden onset of symptoms due to an illness, injury, or medical problem that requires prompt medical attention and that has a limited duration. Serious Chronic Condition means a medical condition due to a disease, illness, or other medical problem or medical disorder that is serious in nature, and that does either of the following: (a) (b) Persists with full cure or worsens over an extended period of time. Requires ongoing treatment to maintain remission or prevent deterioration. To request consideration of the continuance of services from a terminated Participating Dentist because you have an acute or serious chronic condition, call or write the Plan. XVI. LANGUAGE AND COMMUNICATION ASSISTANCE If English is not your first language, CDN provides interpretation services and translation of certain written materials. If you have a preferred language, or need language assistance, please notify us of your personal language needs by calling CDN at 877-433-6825. If you are deaf, hard of hearing, or have a speech impairment, you may also receive language assistance services by calling CDN at 877-433-6825 Eff. 01/01/18, Rev 08/17 14

XVII. BENEFITS, EXCLUSIONS, AND LIMITATIONS California Dental Network Covered California Children s Dental HMO Benefits are set forth in the attached list of covered procedures and are subject to the applicable member cost (copayment) in the list, when provided by a CDN Participating Dental Participating Dentist and subject to the Exclusions and Limitations contained herein. Member copayments/cost shares paid for pediatric dental essential health benefits accrue toward the Annual Out-of-Pocket Maximum and deductible as applicable. Coverage of the pediatric dental essential health benefits is limited to children up to age 19. Benefits and Limits for Diagnostic Services: Periodic oral evaluation (D0120): once every six months, per provider. Limited oral evaluation, problem focused (D0140): once per patient per provider. Comprehensive oral evaluation (D0150): once per patient per provider for the initial evaluation. Detailed and extensive oral evaluation (D0160): problem focused, by repot, once per patient per provider. Re-evaluation, limited, problem focused (not post-operative visit) (D0170) : a benefit for the ongoing symptomatic care of temporomandibular joint dysfunction; up to six times in a three month period, up to a maximum of 12 in a 12 month period. Radiographs (X-rays), Intraoral, complete series (including bitewings) (D0210): once per provider every 36 months. Radiographs (X-rays), Intraoral, periapical first film (D0220): a benefit to a maximum of 20 periapicals in a 12 month period by the same provider, in any combination of the following: intraoral- periapical first radiographic image (D0220) and intraoral- periapical each additional radiographic image (D0230). Radiographs (X-rays), Intraoral, periapical each additional film (D0230): a benefit to a maximum of 20 periapicals in a 12 month period to the same provider, in any combination of the following: intraoral- periapical first radiographic image (D0220) and intraoral- periapical each additional radiographic image (D0230). Radiographs (X-rays), Intraoral, occlusal film (D0240): A benefit up to a maximum of two in a sixmonth period per provider. Radiographs (X-rays), Extraoral (D0250): A benefit once per date of service. Radiographs (X-rays), bitewing, single film (D0270): A benefit once per date of service. Radiographs (X-rays), bitewings, two films (D0272): A benefit once every six months per provider. Radiographs (X-rays), bitewings, four films (D0274): A benefit once every six months per provider. Radiographs (X-rays) Temporomandibular joint arthrogram, including injection (D0320): A benefit for the survey of trauma or pathology; for a maximum of three per date of service. Radiographs (X-rays) Tomographic survey (D0322): A benefit twice in a 12 month period per provider. Radiographs (X-rays) Panoramic film (D0330): A benefit once in a 36 month period per provider, except when documented as essential for a follow-up/ post-operative exam (such as after oral surgery). Eff. 01/01/18, Rev 08/17 15

Radiographs (X-rays), Cephalometric radiographic image (D0340): A benefit twice in a 12 month period per provider. Oral/Facial Photographic Images 1 st (D0350): A benefit up to a maximum of four per date of service. Diagnostic casts (D0470): A benefit once per provider unless special circumstances are documented (such as trauma or pathology which has affected the course of orthodontic treatment, for patients under the age of 21, for permanent dentition (unless over the age of 13 with primary teeth still present or has a cleft palate or craniofacial anomaly). Benefits and Limits for Preventive Services: Prophylaxis, child (D1120): A benefit once in a six- month period for patients under the age of 21. Topical fluoride varnish (D1206): A benefit once in a six month period for patients under the age of 21. Frequency limitations shall apply toward topical application of fluoride (D1208), once in a 12 month period for patients age 21 or older. Frequency limitations shall apply toward topical application of fluoride (D1208). Topical application of fluoride (D1208): A benefit once in a six month period for patients under the age of 21. Frequency limitations shall apply toward topical application of fluoride varnish (D1206), once in a 12 month period for patients age 21 or older. Frequency limitations shall apply toward topical application of fluoride varnish (D1206). Sealant, per tooth (D1351): A benefit, for first, second and third permanent molars that occupy the second molar position; only on the occlusal surfaces that are free of decay and/or restorations; for patients under the age of 21; once per tooth every 36 months per provider regardless of surfaces sealed. Preventive resin restoration in a moderate to high caries risk patient, permanent tooth (D1352): A benefit for first, second and third permanent molars that occupy the second molar position; only for an active cavitated lesion in a pit or fissure that does not cross the DEJ; for patients under the age of 21; once per tooth every 36 months per provider regardless of surfaces sealed. Space maintainer, fixed, unilateral (D1510): A benefit once per quadrant per patient; for patients under the age of 18; only to maintain the space for a single tooth. Not a benefit when the permanent tooth is near eruption or is missing; for upper and lower anterior teeth; or for orthodontic appliances, tooth guidance appliances, minor tooth movement, or activating wires. Space maintainer, fixed, bilateral (D1515): A benefit once per arch when there is a missing primary molar in both quadrants or when there are two missing primary molars in the same quadrant; for patients under the age of 18. Not a benefit when the permanent tooth is near eruption or is missing; for upper and lower anterior teeth; or for orthodontic appliances, tooth guidance appliances, minor tooth movement, or activating wires. Space maintainer, removable, unilateral (D1520): A benefit once per quadrant per patient; for patients under the age of 18; only to maintain the space for a single tooth. Not a benefit when the permanent tooth is near eruption or is missing; for upper and lower anterior teeth; or for orthodontic appliances, tooth guidance appliances, minor tooth movement, or activating wires Space maintainer, removable, bilateral (D1525): A benefit once per arch when there is a missing primary molar in both quadrants or when there are two missing primary molars in the same quadrant; for patients under the age of 18. Not a benefit when the permanent tooth is near eruption or is missing; for upper and lower anterior teeth; for orthodontic appliances, tooth guidance appliances, minor tooth movement, or activating wires. Eff. 01/01/18, Rev 08/17 16

Re-cementation of space maintainer (D1550): A benefit once per provider, per applicable quadrant or arch; for patients under the age of 18. Benefits and Limits for Restorative Services: Primary teeth, amalgam restorations: one surface (D2140), two surfaces (D2150), three surfaces (D2160), four or more surfaces (D2161): A benefit once in a 12 month period. Permanent teeth, amalgam restorations: one surface (D2140), two surfaces (D2150), three surfaces (D2160), four or more surfaces (D2161): A benefit once in a 36 month period. Primary teeth, resin based composite restorations (anterior): one surface (D2330), two surfaces (D2331), three surfaces (D2332), four or more surfaces or involving incisal angle (D2335): A benefit once in a 12 month period, each unique tooth surface is only payable once per tooth per date of service. Permanent teeth, resin based composite restorations (anterior): one surface (D2330), two surfaces (D2331), three surfaces (D2332), four or more surfaces or involving incisal angle (D2335): A benefit once in a 36 month period, each unique tooth surface is only payable once per tooth per date of service Primary teeth, resin based composite crown (anterior) (D2390): At least four surfaces shall be involved-a benefit once in a 12 month period. Permanent teeth, resin based composite crown (anterior) (D2390): At least four surfaces shall be involved-a benefit once in a 36 month period Primary teeth, resin based composite restorations (posterior): one surface (D2391), two surfaces (D2392), three surfaces (D2393), four or more surfaces (D2394): A benefit once in a 12 month period. Permanent teeth, resin based composite restorations (posterior): one surface (D2391), two surfaces (D2392), three surfaces (D2393), four or more surfaces (D2394): A benefit once in a 36 month period. Crown, resin based composite (indirect), permanent anterior and posterior teeth, age 13 or older, (D2710): A benefit once in a five-year period; for any resin based composite crown that is indirectly fabricated. Not a benefit for patients under the age of 13; or for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position or is an abutment for an existing removable partial denture with cast clasps or rests. Crown, 3/4 resin-based composite (indirect), permanent anterior and posterior teeth, age 13 or older, (D2712): A benefit once in a five-year period; for any resin based composite crown that is indirectly fabricated. Not a benefit for patients under the age of 13; or for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position or is an abutment for an existing removable partial denture with cast clasps or rests; or for use as a temporary crown. Crown, resin with predominantly base metal, permanent anterior and posterior teeth, age 13 or older, (D2721): A benefit once in a five-year period. Not a benefit for patients under the age of 13; or for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position or is an abutment for an existing removable partial denture with cast clasps or rests. Crown, porcelain/ceramic substrate, permanent anterior and posterior teeth, age 13 or older, (D2740): A benefit once in a five-year period. Not a benefit for patients under the age of 13; or for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position or is an abutment for an existing removable partial denture with cast clasps or rests. Eff. 01/01/18, Rev 08/17 17

Crown, porcelain fused to predominantly base metal, permanent anterior and posterior teeth, age 13 or older, (D2751): A benefit once in a five-year period. Not a benefit for patients under the age of 13; or for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position or is an abutment for an existing removable partial denture with cast clasps or rests. Crown, 3/4 cast predominantly base metal, permanent anterior and posterior teeth, age 13 or older, (D2781): A benefit once in a five-year period. Not a benefit for patients under the age of 13; or for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position or is an abutment for an existing removable partial denture with cast clasps or rests. Crown, 3/4 porcelain/ceramic, permanent anterior and posterior teeth, age 13 or older, (D2783): A benefit once in a five-year period. Not a benefit for patients under the age of 13; or for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position or is an abutment for an existing removable partial denture with cast clasps or rests. Crown, full cast predominantly base metal, permanent anterior and posterior teeth, age 13 or older, (D2791): A benefit once in a five-year period. Not a benefit for patients under the age of 13; or for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position or is an abutment for an existing removable partial denture with cast clasps or rests. Recement inlay, onlay or partial coverage restoration (2910): A benefit once in a 12 month period, per provider. Recement crown (D2920): Not a benefit within 12 months of a previous re- cementation by the same provider. Prefabricated porcelain/ceramic crown - primary tooth (D2929): A benefit once in a 12 month period. Prefabricated stainless steel crown - primary tooth (D2930): A benefit once in a 12 month period. Prefabricated stainless steel crown - permanent tooth (D2931): A benefit once in a 36 month period. Not a benefit for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position. Primary teeth, prefabricated resin crown (D2932), prefabricated stainless steel crown with resin window (D2933): A benefit once in a 12 month period. Permanent teeth, prefabricated resin crown (D2932), prefabricated stainless steel crown with resin window (D2933): A benefit once in a 36 month period. Not a benefit for 3rd molars, unless the 3rd molar occupies the 1st or 2nd molar position. Protective restoration (D2940): A benefit once per tooth in a six-month period, per provider. Not a benefit when performed on the same date of service with a permanent restoration or crown, for same tooth; on root canal treated teeth. Pin retention - per tooth, in addition to restoration (D2951): A benefit for permanent teeth only; when billed with an amalgam or composite restoration on the same date of service; once per tooth regardless of the number of pins placed; for a posterior restoration when the destruction involves three or more connected surfaces and at least one cusp; or for an anterior restoration when extensive coronal destruction involves the incisal angle. Post and core in addition to crown, indirectly fabricated (D2952): A benefit once per tooth regardless of number of posts placed; only in conjunction with allowable crowns (prefabricated or laboratory processed) on root canal treated permanent teeth. Eff. 01/01/18, Rev 08/17 18